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Financial Illiteracy is a Major Threat to America's Future
A review of current statistics on the financial literacy of American youth, and their families, reveals a shocking lack of money management skills. The inescapable conclusion is that America’s latest generation of young adults is poorly prepared...
Life insurance – wise investment in personal finance or excessive caution?
Life insurance is typically taken out to offer valuable financial protection for your family in the event of your death, upon which a payment is made to your financial beneficiaries, heirs or family members. The extent of this payment will depend...
Reasons For Breach in Marital Relations
Marriage is a most
pious term in the dictionary of social institution. It is not
only a lifetime bond between two persons but also a bond between
two families. Divorce on the other
hand is heartbreaking end of this relationship. It...
SIGNS OF INFIDELITY - 21 Categories of Telltale Signs
With infidelity reaching epidemic proportions, every woman should learn how to recognize the telltale signs of infidelity. The future of her relationship could depend on her ability to spot the telltale signs in time. In view of the rapidly...
Where Does Your Money Go? Taxes
Trying to stay within the theme of Budget Stretcher, I thought a series of articles on knowing where your money is going may help some of you understand just how much you pay on certain expenses. I've decided to start this series of articles...
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How To Save Money On Your Holiday Gift Shopping
How To Save Money On Your Holiday Gift Shopping
With the rising costs of gasoline and heating oil, as well as rising interest rate charges, saving money is at the top of everyone's wish list this holiday season. Here are some tips on getting the most out of your gift shopping dollars this holiday season.
1. Set a budget. This seems like a simple step, but many people fail to do this before starting their holiday shopping. Figure the total amount you can afford to spend on gifts and then divide that number by the total number of people on your list. This gives you the average amount that you should spend on each person. Try and stay within this limit for each person on your list.
2. Compare Prices. With the internet, it is easy to compare prices on most products. Some websites even offer customer comments which can give you valuable information on quality, ease of use, customer service, and overall ratings for many products. Some of the best websites for this are nextag.com, epinions.com, pricegrabber.com, and shopping.com.
3. Go to websites that give major discounts. These websites offer products at discounts of 50% or more. Selection and quantity may be limited but, if they have what you are looking for, you can save a lot of money. Some
of the best websites for this are www.overstock.com and www.incrediblediscountgifts.com.
4. Shop at Thrift stores or Consignment Shops like the Salvation Army stores. You can find unique items at bargain prices, but be sure to check the quality of all merchandise. Remember, all items are sold "as is" and there are no returns.
5. Make your own gifts. Family members and friends will appreciate the time and thought that you put in to the gift, especially if it's personalized just for them. Some ideas are photo collages, scrapbooks, and framed photos or personalized gift baskets filled with the recipients favorite coffees, teas, candies, jams, and baked goods.
6. Watch for Sales, Coupons, and Discounts in your local paper and online. On the internet just type in "Coupon Code", "Sale", or "Discount" into search engines like Google or Yahoo.
7. If you must shop with Credit cards, use only credit cards with low interest rates. Shop around for the lowest rate cards and stay away from high interest department store cards.
About the author:
Robert Landis is a freelance writer based in York PA, specializing in Personal Finance topics. All articles are free and may be reprinted without permission.
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